{"id":324485,"date":"2025-11-11T16:43:13","date_gmt":"2025-11-11T21:43:13","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=86451"},"modified":"2025-11-11T16:43:14","modified_gmt":"2025-11-11T21:43:14","slug":"best-in-pennsylvania","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-pennsylvania\/","title":{"rendered":"The Best Car Insurance Companies in Pennsylvania"},"content":{"rendered":"\n<p>When looking for the best car insurance in Pennsylvania, Reviews.com considered more than a dozen different carriers. We analyzed factors such as each company\u2019s average premiums, customer satisfaction, coverage options, discounts, financial strength and more. Despite recent premium increases nationwide, drivers in the state still have many strong choices, and the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a> in Pennsylvania pair solid service with competitive pricing for a range of budgets.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<p>To find the best car insurance companies in Pennsylvania, Reviews.com analyzed average premiums, coverage options, discounts, financial strength, policy features, customer satisfaction, and more. We found that the following four companies sell some of the best car insurance in the Keystone State:<\/p>\n\n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>: <\/strong>Best for Military-Centric Options<\/li><li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Erie<\/strong><\/a><strong>:<\/strong> Best for Steady Rates<\/li><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Geico<\/strong><\/a><strong>: <\/strong>Best for Low Rates<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for Customer Satisfaction<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<p>The carriers we chose to feature here are based on our unique methodology process. The comparison table below uses a 2021 dataset for average premiums (via <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate\u2019s rate analysis<\/a>), AM Best financial strength ratings and J.D. Power customer satisfaction. Since then, premiums have risen materially nationwide (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>); use the table for relative comparisons and see the updated statewide averages and satisfaction benchmarks below from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power 2025<\/a>. Because companies are repricing frequently, your quotes may differ.<\/p>\n\n\n\t\t\n<section id=\"block_6206880cf8391\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Minimum  Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Full Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6206880cf8391-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$290<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,126<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>896**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6206880cf8391-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$293<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,079<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>856<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6206880cf8391-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$267<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$916<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6206880cf8391-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$294<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,143<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>851<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Table details reflect a 2021 dataset; current 2024\u20132025 averages are higher. See updated statewide averages in the section below.<\/em><\/p>\n\n\n\n<p><em>* Premium data for the comparison table reflect Bankrate\u2019s historical dataset; current statewide averages are updated regularly by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA not officially rated due to eligibility restrictions. For the latest national benchmark, see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> and the <a href=\"https:\/\/www.acsi.org\">ACSI 2024\u20132025 P&amp;C Insurance study<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA provides car insurance to current and retired military members, veterans, and qualifying family members. The carrier has excellent customer satisfaction scores, although it isn\u2019t officially rated by J.D. Power.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,126*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">896**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA provides car insurance to current and retired military members, veterans, and qualifying family members. The carrier has excellent customer satisfaction scores, although it isn\u2019t officially rated by J.D. Power.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Coverages and discounts are uniquely tailored to military families<\/li>\n                            <li>Excellent customer satisfaction<\/li>\n                            <li>Superior financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to military members and some family members<\/li>\n                                    <li>Few physical locations<\/li>\n                                    <li>Fewer discounts than other carriers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Antique auto<\/li>\n<li>Boat<\/li>\n<li>Aviation<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Family discount<\/li>\n<li>Length of membership<\/li>\n<li>Military installation<\/li>\n<li>Good student<\/li>\n<li>New vehicle<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Steady Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n                                                \n\n\n<section id=\"erie\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Erie<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Steady Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie offers a unique Rate Lock option, which helps to keep your rates steady unless you make certain changes to your policy. The carrier also offers lower-than-average rates in our analysis, which could help you save.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=343300-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,079*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">856**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie offers a unique Rate Lock option, which helps to keep your rates steady unless you make certain changes to your policy. The carrier also offers lower-than-average rates in our analysis, which could help you save.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Erie Rate Lock<\/li>\n                            <li>High customer satisfaction score from J.D. Power<\/li>\n                            <li>Numerous perks offered in standard coverage<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lack of digital tools<\/li>\n                                    <li>Lower financial strength than some other carriers<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=26263&#038;:refresh\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Motorcycle<\/li>\n<li>Recreational vehicle<\/li>\n<li>Homeowners<\/li>\n<li>Mobile home<\/li>\n<li>Flood<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Reduced usage<\/li>\n<li>Young drivers<\/li>\n<li>Annual payment plan<\/li>\n<li>Safe driving<\/li>\n<li>Car safety equipment<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Low Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico has the lowest average minimum and full coverage premiums on our list, as well as a long list of discounts that could help you save even more.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$916*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico has the lowest average minimum and full coverage premiums on our list, as well as a long list of discounts that could help you save even more.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lower-than-average premiums<\/li>\n                            <li>Numerous discounts<\/li>\n                            <li>Superior financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Few local agents available<\/li>\n                                    <li>Fewer endorsements than other carriers<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=22063&#038;:refresh\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/ATV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Emergency deployment<\/li>\n<li>Membership &amp; employee<\/li>\n<li>Military<\/li>\n<li>New vehicle<\/li>\n<li>Defensive driving<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With local agents, superior financial strength according to AM Best, and high J.D. Power customer satisfaction scores, State Farm could be a great option for Pennsylvania drivers looking for solid customer service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,143*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">851**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With local agents, superior financial strength according to AM Best, and high J.D. Power customer satisfaction scores, State Farm could be a great option for Pennsylvania drivers looking for solid customer service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Superior financial strength according to AM Best<\/li>\n                            <li>Local agents available<\/li>\n                            <li>High J.D. Power customer satisfaction<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher average rates than the other companies listed<\/li>\n                                    <li>Fewer endorsements than competitors<\/li>\n                                    <li>No annual policy option for auto coverage<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Condo<\/li>\n<li>Farm and ranch<\/li>\n<li>Life<\/li>\n<li>Off-road vehicles<\/li>\n<li>Motorhome<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drive Safe &amp; Safe<\/li>\n<li>Steer Clear<\/li>\n<li>Driver improvement course<\/li>\n<li>Good student<\/li>\n<li>Student away at school<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data for the comparison sections reflect Bankrate\u2019s historical dataset; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> for updated statewide averages.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2021 U.S. Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. For the most recent national benchmark, see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Pennsylvania<\/h2>\n\n\n\n<p>Recent estimates from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate\u2019s average cost research<\/a> and <a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a> indicate Pennsylvania drivers pay roughly $350\u2013$600 per year for minimum coverage. For <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a>, the statewide average commonly falls around $1,900\u2013$2,300 per year for a 40-year-old driver with a clean record. Compared with national full-coverage averages that currently sit in the low-$2,000s, Pennsylvania typically lands at or modestly below the U.S. average. Prices have climbed significantly since 2021 amid higher claim severity and inflation (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>).<\/p>\n\n\n\n<p>Your car insurance rates can vary based on many factors. The state in which you live makes a big difference \u2014 drivers in some states pay much higher rates than others. This is often a result of the crime rate or the chances of extreme weather. Other factors, such as your driving record, age, vehicle, and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a>, may also play a role, depending on the state. Within Pennsylvania, premiums in the Philadelphia area commonly run well above the statewide average, while many rural ZIP codes trend lower (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in&nbsp; Pennsylvania<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Geico<\/td><td>$916<\/td><\/tr><tr><td>Penn National<\/td><td>$971<\/td><\/tr><tr><td>QBE<\/td><td>$1,042<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample rates based on a prior Bankrate dataset; current 2024\u20132025 full-coverage statewide averages commonly range around $1,900\u2013$2,300. See <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a> for updated estimates.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>AmTrust Financial<\/td><td>$3,268<\/td><\/tr><tr><td>Motorists<\/td><td>$3,069<\/td><\/tr><tr><td>American Independent<\/td><td>$2,157<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample rates based on a prior Bankrate dataset. Current prices vary by ZIP code, driver profile and insurer; consult recent studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-cities\" title=\"Top 3 Cheapest Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Pennsylvania<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Houserville<\/td><td>$1,126<\/td><\/tr><tr><td>Pine Grove Mills<\/td><td>$1,126<\/td><\/tr><tr><td>State College<\/td><td>$1,128<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample rates. City-level prices can shift as insurers refile rates; rural areas often remain below the statewide average, while large metros sit higher (<a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-cities\" title=\"Top 3 Most Expensive Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Pennsylvania<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Philadelphia<\/td><td>$2,787<\/td><\/tr><tr><td>Lansdowne<\/td><td>$2,092<\/td><\/tr><tr><td>Yeadon<\/td><td>$2,092<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample rates. Philadelphia-area premiums are often substantially higher than the statewide average due to urban density, claim severity and legal environment (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Pennsylvania<\/h2>\n\n\n\n<p>Pennsylvania uses a \u201cchoice no-fault\u201d system: policies include first-party medical benefits payable regardless of fault, and drivers elect either limited tort (generally restricts pain-and-suffering claims) or full tort (preserves those rights). This framework remains in place, and premiums have risen in recent years alongside national trends. Electronic proof of insurance is accepted. For details, see the <a href=\"https:\/\/www.insurance.pa.gov\/Coverage\/auto\/Pages\/default.aspx\">Pennsylvania Insurance Department<\/a> and <a href=\"https:\/\/www.dmv.pa.gov\/Vehicle-Services\/Insurance\/Pages\/Acceptable-Proofs-of-Financial-Responsibility.aspx\">PennDOT guidance on acceptable proofs<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pennsylvania Car Insurance Requirements<\/h3>\n\n\n\n<p>Pennsylvania requires all drivers to carry at least minimum levels of liability insurance and personal injury protection coverage (First-Party Medical Benefits). You may instead meet liability requirements with a $35,000 combined single limit. Uninsured\/underinsured motorist coverage is optional, and you must choose either limited tort or full tort. Failure to maintain coverage can result in fines and registration or license suspension.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.dmv.pa.gov\/Vehicle-Services\/Insurance\/Pages\/Insurance-Requirements.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Pennsylvania\u2019s state minimum car insurance limits<\/a> are:<\/p>\n\n\n\n<ul><li>$15,000 bodily injury liability per person<\/li><li>$30,000 bodily injury liability per accident<\/li><li>$5,000 property damage liability per accident<\/li><li>$5,000 personal injury protection (PIP)<\/li><\/ul>\n\n\n\n<p>PIP is sometimes called \u201cFirst-Party Benefits\u201d or FSB in Pennsylvania. Given today\u2019s medical costs, many households choose higher medical limits and may consider Extraordinary Medical Benefits for added protection. Most insurance experts also recommend higher liability limits. Additionally, financed or leased vehicles likely will need full coverage car insurance, which would include collision and comprehensive coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h3>\n\n\n\n<p>In addition to the required coverages and maybe full coverage, there are some endorsements you might want to consider for more protection:<\/p>\n\n\n\n<ul><li><strong>Vanishing deductibles: <\/strong>This optional coverage offered by a few carriers reduces your comprehensive and\/or collision deductible each year that you don\u2019t have a claim.<\/li><li><strong>Accident forgiveness: <\/strong>While your insurance rates typically <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">increase after an accident<\/a>, this coverage could help keep your rates from going up after your first covered accident.<\/li><li><strong>Rideshare coverage:<\/strong> Rideshare drivers may need additional coverage to ensure they\u2019re properly protected financially. A few providers offer rideshare coverage, and Pennsylvania regulates Transportation Network Companies; review potential gaps during \u201capp on\u201d periods (<a href=\"https:\/\/www.puc.pa.gov\">PA PUC TNC overview<\/a>).<\/li><li><strong>Roadside assistance: <\/strong>Most providers offer this optional coverage, which could cover the cost of emergency roadside services such as towing, flat tire change, and battery jump; confirm EV-compatible towing and, for ADAS-equipped vehicles, any calibration considerations after glass repair.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62068d09f83e5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much car insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">You\u2019ll need to buy at least Pennsylvania\u2019s state minimum limits to drive legally, and you may need full coverage (which adds comprehensive and collision) if your vehicle is leased or financed. However, most insurance professionals recommend higher limits than state minimum, so that you have more financial protection. Working with an agent can help you determine the right coverage level for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62068d19f83e6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What company sells the best Pennsylvania car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The best coverage for you will vary based on your wants, likes, and needs. Getting quotes from several carriers and comparing them could help you find the right option. You may want to look at more than just price; analyze customer satisfaction, financial strength, coverages, discounts, and policy features, too.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62068d2df83e7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find cheap car insurance in Pennsylvania?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Shopping around is a solid strategy to get a lower rate, as it allows you to compare premiums from different carriers. You could also take advantage of discounts to lower your premium. One of the best ways to avoid high costs is to keep your driving record clean. Accidents, tickets, and DUIs generally result in surcharges, so drivers with clean records often pay lower rates.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>For average pricing context, we reference current-rate studies from multiple reputable sources \u2014 including <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> (Quadrant data), <a href=\"https:\/\/www.thezebra.com\/state-of-auto-insurance\/\">The Zebra<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> \u2014 typically using a 40-year-old driver with a clean record. For full coverage, the details used are commonly the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Given rapid industry repricing through 2024\u20132025 (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>), averages move quickly and are refreshed periodically by these sources.<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes; your quotes will vary by insurer, location, driving history and selected coverages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When looking for the best car insurance in Pennsylvania, Reviews.com considered more than a dozen different carriers. We analyzed factors such as each company\u2019s average premiums, customer satisfaction, coverage options, discounts, financial strength and more. Despite recent premium increases nationwide, drivers in the state still have many strong choices, and the best car insurance companies [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357963,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Pennsylvania Car Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review covers the most popular car insurance providers available to the state of Pennsylvania.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-pennsylvania\/\" \/>\n<meta property=\"og:locale\" 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